Citadel Insurance p.l.c.
Citadel Insurance
Citadel Insurance is a travel insurance for the Malta market with online purchase and 24/7 assistance.
Direct payment
Premium must be paid at the time of taking out the insurance by cash, cheque, debit/credit card or internet banking. In a medical emergency abroad, Global Response (International Medical Group) liaises directly with doctors and hospitals and handles medical bills, repatriation and air ambulance arrangements on behalf of the insured.
Geographic scope
Worldwide, selectable by Area 1 (Europe & Mediterranean), Area 2 (Worldwide excl. USA & Canada), Area 3 (Worldwide incl. USA & Canada)
Area 1: Europe (including Channel Islands) and countries bordering the Mediterranean Sea, Madeira, Canary Islands, the Azores, Jordan, Russia (West of the Ural Mountains), Republic of Ireland and Iceland. Area 2: Worldwide excluding USA and Canada. Area 3: Worldwide including USA and Canada.
Starting price
€13
Indicative — pricing assumptions not stated
Unique selling points
- 24-hour, 365-day multilingual emergency medical assistance provided at no extra cost through International Medical Group's Global Response service.
- Personal Liability cover of up to €1,200,000 is included at every tier, from Economy to Club.
- The top Club tier offers medical expense cover of up to €600,000, well above the Economy tier's €35,000.
- Free travel insurance cover for children under 2 years of age.
- Optional add-ons such as winter sports extension, extreme weather cancellation cover, excess waiver and rental vehicle excess let customers tailor cover beyond the standard package.
Coverage limits
Medical and Emergency Expenses
€35,000 – €600,000
Covers medical and emergency expenses arising from accidental bodily injury, illness or death abroad. Limits vary by tier: Economy €35,000; Standard €200,000; Club €600,000.
Emergency Medical Treatment Expenses
€35,000 – €600,000
Section 3 - Medical and Emergency Expenses benefit; limit depends on chosen tier: Economy €35,000; Standard €200,000; Club €600,000.
Hospital Cash Benefit
€700
Only in Standard, Club
In-patient hospital cash benefit paid in case of admission to hospital abroad due to accidental injury or illness. Not insured under Economy; €25 per day (€50 if the European Health Card is used) up to a maximum of €700 under Standard and Club cover only.
Outpatient Treatment
No limit stated
Not separately itemised in the available sources; likely covered under the overall Medical and Emergency Expenses limit.
Emergency Medical Transport
Covered
24-hour emergency medical assistance provided at no extra cost through Global Response / International Medical Group, including liaison with doctors and hospitals and coordination of air ambulance transport.
Medical Evacuation / Air Ambulance
Covered
The 24-hour Emergency Medical Assistance service coordinates air ambulance and evacuation arrangements at no extra cost through International Medical Group / Global Response.
Repatriation
Covered
Emergency assistance service coordinates repatriation of the insured (or remains) at no extra cost as part of the 24-hour medical assistance service.
COVID-19 Treatment
Excluded
Claims arising from any injury, illness, death, liability or costs attributable to HIV (including AIDS), SARS, MEERS, COVID-19 and related illnesses, and any potential or actual epidemic/pandemic, are excluded.
Pre-Existing Medical Conditions
Excluded
Claims arising from pre-existing medical conditions are excluded; the Health Warranty voids claims under Sections 1, 2, 3 and 9 if the insured or travel companions were receiving or awaiting medical/surgical treatment, had a terminal prognosis, or were on a waiting list at the time of taking out the insurance.
Winter Sports Extension
Optional
Winter sports cover (and other hazardous activities) is excluded unless the winter sports extension is purchased at an additional premium of three times the standard rate.
Adventure / Hazardous Sports Cover
Excluded
Winter sports (unless additional premium is paid) and other hazardous activities are explicitly excluded from cover.
Personal Liability
€1,200,000
Personal legal liability to third parties for accidents resulting in death, bodily injury, or damage to property, covered up to €1,200,000 under all three tiers (Economy, Standard and Club).
Legal Assistance
No limit stated
Not separately itemised as a legal-costs assistance benefit in the available sources; only personal liability to third parties is covered.
24/7 Emergency Assistance
Covered
24-hour emergency medical assistance is provided at no extra cost via Global Response / International Medical Group, a multilingual office operating 365 days a year for medical emergencies, repatriation coordination, air ambulance and hospital liaison.
Key conditions
Assistance call deadline
In the event of a medical emergency, you must notify Global Response immediately.
Unauthorized treatment
Not specified in the available sources.
Purchase while abroad
Cover must be purchased not more than 15 days prior to commencing the journey, and the trip must be a round trip commencing and ending in Malta; it is not intended for purchase while already abroad.
Chronic conditions
Under the Health Warranty, no claims are paid under Sections 1, 2, 3 and 9 if the insured or any travelling companion was, at the time of taking out the insurance, receiving or awaiting medical/surgical treatment, suffering from a pre-existing medical condition, had a terminal prognosis, or was on a waiting list for surgery, inpatient treatment or investigation.
Pregnancy
Not specified in the available sources.
Pre-existing condition exclusions
Claims arising from pre-existing medical conditions are excluded, and the Health Warranty voids cover under key sections if such a condition existed at inception.
Coverage duration limit
Cover applies for the number of days shown on the policy schedule, up to a maximum period of 3 months; medical expenses continue to be paid in Malta for up to three months after the booked return date of the trip.
Where to buy
Policy specifics
Winter Sports Coverage (Optional)
Additional cover for winter sports and adverse weather conditions available at additional premium
SourceEmergency Medical Assistance
24-hour emergency medical assistance provided by International Medical Group at no extra cost through Global Response service
SourceRound Trip Requirement
Travel policy covers round trips commencing from and ending in Malta only; one-way journeys not valid
SourcePre-Existing Medical Conditions Declaration
Any pre-existing medical conditions must be communicated to insurers immediately for confirmation of coverage limitations
SourceMalta Residency Requirement
You and any person entitled to benefit under this policy must be ordinarily resident in Malta at time of taking out insurance
SourceAge Restrictions
You and all other persons with whom you have arranged to travel must be 18 years or over and under 75 years of age
SourceTravel Claims History
You and all other persons with whom you have arranged to travel must not have had any travel claims during the past 5 years
Source